Built for subscriptions with real chargeback risk.
Dating apps, social platforms, membership communities — with fraud protection and chargeback tools for one of the highest-risk categories in payments.
The category generic processors refuse to touch
Dating and social networking platforms have historically had the highest chargeback ratios in e-commerce. Partners discover the charges. Users forget they signed up. Free-trial conversions get disputed. Generic processors either decline to underwrite the category entirely or freeze accounts at the first sign of elevated chargebacks. We place dating and social accounts with specialty banks that understand the risk, pair them with advanced fraud tools and discreet billing descriptors, and set expectations transparently so the account stays operational.
The right program for this category
Interchange-Plus with high-risk underwriting
Our first-choice program for this category.
Flat-rate for smaller operators
Honest pass-through alternative — no surprise markups.
Dating and social platforms carry some of the highest chargeback ratios in e-commerce, which means generic processors won't touch them. We place the account with a specialty bank, pair it with strong fraud tools, and price it on transparent interchange-plus.
Category-specific safeguards
- Correct high-risk MCC placement (7273, 5968 as applicable)
- Advanced fraud prevention at signup and recurring charge
- Chargeback management with representment service
- Discreet billing-descriptor configuration for cardholder privacy
Common questions
Can we control how our charge appears on the cardholder's statement?
Yes. Billing descriptors are configurable within card-brand rules, which matters a lot for dating platforms where cardholder privacy is a core feature.
What's the chargeback ratio limit?
Specialty high-risk banks tolerate higher chargeback ratios than generic processors — but they still monitor. We help you implement fraud tools and dispute-prevention workflows to keep ratios in acceptable ranges.
Do you handle free-trial billing?
Yes, with proper cardholder notification workflows. Free-trial billing is legitimate but needs to be set up carefully to avoid dispute volume.
Ready for a real quote?
Send your last statement. A specialist returns the math and the program that fits your business — usually the same day.